I appreciate all of the replies. I should have elaborated further and stated that I have only sewn 2 quilts but thoroughly have been bitten by the quilting bug. I see many more quilts in my future and I am also interested in sewing my own clothes. Now, that being said, I would really like to purchase a bernina as my current machine is an inexpensive simple machine that is rather limiting but has been great for a beginner. Sooo, I went looking at the Bernina's and narrowed it down to the 3 (450, 640, 730) but I don't want to bite off more than I can chew. This is why I am looking for some good advice. Thanks.
P.S. I like the embroidery component but do not necessarily have to have it.